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Supporting your business during and post COVID-19 outbreakJune, 2020

Client Logo

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Supporting your business

during and post COVID-19

Increased consumer demand for Digital payment experiences

Fraudsters will seek out new opportunities to steal consumer and merchant payment data

Buy Online, Pick-up In-Store

New Security & Fraud

solutions to combat digital fraud

COVID-19 has shifted consumer buying behavior

Increasingly economic uncertainty will drive some consumers to seek new ways to pay

Scan & Go

Curbside Pickup

Installment Payment Solutions

Pay-by-ACH

Accelerate Contactless (touch-less) Payments

Drive more commerce and lower costs

Mitigate Risk

3

Delivering immediate value for your Business

Buy now, pay later installments Online or in-store. QuadPay enables consumers to pay in four installments over six weeks, with zero interest and no hard credit checks.

Capture a global audience online75% of shoppers are more likely to buy if they can pay in their own currency. Leverage Currency Solutions.

eACH Guaranteed Payments to lower costs and broaden choiceLeverage electronic ACH payments at the POS, pump or mobile app. Lower transaction costs, and eliminate chargebacks with a funds warranty. Can be tied to existing loyalty programs

Payment optimizationDebit routing offers opportunity to lower costs of transactions

Fast track payments with Scan, Pay & GoAllows in-store or curbside shoppers to pick up a product, scan the barcode, pay with their phone, and simply go. Minimize lines and transact safely.

Enable online ordering for Curbside Pick-Up Support curbside pickup or home delivery when customers order online. Accept more payments.

Provide EBT for Online Ordering & DeliveryEnhance existing EBT capabilities by leveraging our exclusive, patented Pin-On-Glass technology. Integrate quickly and easily

Secure Customers’ PII with end-to-end ProtectionRemove sensitive data from your environment and help reduce PCI-compliance scope

Effective Fraud and Security Tools to prevent, detect and resolve fraudEnsure you accurately identify fraudulent transactions, friendly fraud and account takeover, in real-time.

GrowRevenue

LowerCosts

Drive DigitalTransformation

Ensure SecureCommerce

Supporting your business

during and post COVID-19

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Our solutions are value drivers

• Unlock sales with Installment Payments

• Reach global online shoppers with Dynamic Pricing

• Link Guaranteed eACHPayments to lower costs

• Optimize the cost of routing Debit Payments

• Scan, Pay, and Go

• Online ordering for Curbside Pick-Up

• Online EBT ordering and delivery

• Electronically pay employees

• Secure Customers’ PII with end-to-end Protection

• Security and Fraud solutions

Grow revenue Lower costs Digital Transformation Secure commerce

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• Net new clients

• Increased conversion rates

• New revenue streams

• New marketsGrow revenue

Top digital commerce clients choose us

7 of 10Increase in authorization rates for recurring transactions

10%Increase in conversion rate and topline sales

Up to 30%*

Source: *QuadPay statistic based on multiple merchant case studies. Individual results may vary.

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Benefit from Fiserv industry expertise in digital commerce

Conversion rate and topline sales increase by up to 30%*

Average basket size up more than 20% and as high as 60%*

Increase in repeat customerrate by 50%–80%*

*QuadPay statistic based on multiple merchant case studies. Individual results may vary.

Drive new, incremental and repeat business

QuadPay empowers consumers to pay in a way that best meets their needs

Make your business accessible to more consumers

You get paid today; your customers pay over time

Integrate omni-channel solution in minutes, no APIs required

Experience growth in the metrics that matter to your business

Buy now, pay later installments are changing the way consumers assess affordability

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Enable your customers to pay over time –increasing their spending power at checkout

*Less fees

• Split any purchase into four interest-free payments spread over six weeks

• Zero interest, no APR on purchases

• No impact on credit ratings

• Use any debit or credit card

• Simple and transparent pricing

• User-friendly budgeting tool

Consumer benefits

You get paid at the time of purchase and your customer receives the goods. Equal installments of 25 percent are automatically deducted from the customer’s linked payment card every 14 days.

Payment schedule example

Time Period Merchant CustomerPurchase Date 100%*

$200

25%

$50.00

Day 14 – 25%

$50.00

Day 28 – 25%

$50.00

Day 42 – 25%

$50.00

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Omni-channel solution allows customers to split orders into four equal payments over six weeks

Supports Apple Pay®, Google Pay®

and manual key-in

Leverage an existing QuadPay base of over 2 million users1

Merchant is funded upfront; QuadPay absorbs chargebacks due to fraud liability

Customer centricity first; user-friendly UX

QuadPay is one of the most popularconsumer installment payment apps2

1QuadPay statistic2https://www.creditcards.com/credit-card-news/installment-payment-services/

No point-of-sale (POS) integration required Fast eCom implementation with QuadPay.js

Accepts all debit and credit cards for consumer payments (Visa®, Mastercard®, AMEX®, Discover®)

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Helping businesses growrevenue and enhancecustomer experience –

The difference with FiservWith single contracting and integration experience, Fiserv can be your single-source digital commerce provider across the globe.

Global Coverage

Autoboarding API

Flexible Funding Options

Security and Fraud Management

Single integration and contracting

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A single-source global partner

Without global merchant acquiring With global merchant acquiring

EMEAUSA LATAMAPACU.K.

Multiple Solutions

Multiple Solutions

Multiple Solutions

Multiple Solutions

Multiple Solutions

Multiple solutions for one goal, connect to the card brands. One solution for one goal, connect to the card brands.

Sponsor BankSponsor Bank Sponsor BankSponsor BankSponsor Bank

GMA Solution

260+ Local Payment Methods

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Capture a global audience online

75%of shoppers online are more likely to complete a transaction if they are able to pay in their own currency

Source: “Optimizing the Online Payment Journey for Shoppers”, KAE Marketing Intelligence, February 2015

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Offer consumers the ability to shop and pay in their own currency

• More then 130 global currencies

• Receive funds in multiple currencies

• Reduce exposure to foreign exchange risk

• Protect data with a more secure processing solution

• Lower shopping cart abandonment

• Increase sales

• Improve customer satisfaction globally

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A suite of solutions to meet your currency needs

Dynamic Currency Conversion (DCC)

Merchants can offer customers the choice to pay in their own currency at the point-of-sale.

Impact• Reduced processing costs

• Revenue earned on all converted transactions

• Supports more than 70 key global currencies

How it works

1. Merchant pricing is displayed in local currency

2. Sale amount is converted and displayed at the point of purchase

3. Consumer selects currency

4. Fiserv Authorizes and processes transaction

Dynamic Pricing(Multi-currency Conversion – MCC)

Allows shopping in multiple currencies by converting the merchant’s base pricing.

Impact• Improved customer experience

• Revenue share earned on all converted transactions

• Supports more than 70 key global currencies

How it works

1. Consumer selects currency

2. Merchant keeps pricing in in their base currency

3. Prices is converted and displayed in consumer's currency

4. Fiserv Authorizes and processes transaction

Global ePricing(Muti-currency Pricing - MCP)

Allows for pricing in multiple currencies while providing funding in the merchant’s base currency.

Impact• Easy cross-border expansion

• Supports both one-time and recurring payment models

• Supports more than 130 global currencies

How it works

1. Consumer selects currency

2. Merchant sets pricing in each currency

3. Fiserv Authorizes and processes transaction

4. Transactions is converted to merchant's base currency

Retail, eCommerce, MOTO, ATM eCommerce, MOTO eCommerce, MOTO

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Increase revenue by up to 10–20% of your card volume*

Top three local payments in major countries or markets

Single contract access to all local payments

• Simple implementation

• Consolidated funding source

• Easy reconciliation through integrated reporting

Local payments: Simple, accessible and relevant

*Fiserv statistic. Individual results may vary.

We take the complexity out of local payments soyou can grow revenue and connect with customersin markets that matter to your business

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Case study: Authorization Optimization outshining the competition• We went head-to-head with a competitor optimizing

authorization rates for recurring online payments for a shared enterprise technology client

• We outperformed the competition with a 7% increase in approval rates2

• While the competitor’s solution meets industry standards, we discovered major processing flaws in their solution which were resulting in massive increases in chargebacks3

Client Benefits

Impact to chargebacks1Expected additional yearly revenue1

Increase in approval rates on recurring transactions2

$99M 10% No

Fiserv

Competition60%

Authorization rate

Authorization Optimization pilot begins with one MID

Source: 1. Internal data, 2. Client data, 3. Both internal and client data.

67%

56

58

60

62

64

66

68

1 2 3 4 5 6

Client turns on product for its five MIDs

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100%15% <0.10%Coverage across U.S. card networks plus Chinese payment brands

Average savings on debit interchange

Achieved fraud rate for leading mobile payments app

• Payment optimization

• Lower cost of ACH

• B2B payments

• Single, global access pointLower Costs

Source: Global Digital Solutions, First Data, 2019.

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eACH Guaranteed Payments lower costs and broaden choice

The only ACH on File solution in the marketplace that can offer clients all of the following services end-to-end in one integration• Warranty of funds*

• Next day funding

• Frictionless consumer enrollmentvia online bank login

• Supplements loyalty program,rewards to drive consumers tolower-cost payment method

With the ability to support any consumer payment use casethe client offers• In-store, at pump

• Mobile and online

• Recurring payments

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ConnectPay key benefits

Source: Fiserv transaction data, results may vary.

Savings, on average, realized on ConnectPay

transactions vs.card transactions*

30%

At point-of-sale, online, via mobile app or at the pump, ConnectPay accesses a customers’ bank account information through a loyalty card, a key fob, an app or even a phone number and processes the ACH payment.

Economical• Freedom from interchange fees• Guarantee solution removes

burden of chargebacks

Engaging• Complements any loyalty program,

reward consumers for paying from their bank account

Secure• No handling of sensitive data• Information stored and protected

by Fiserv

Flexible• Easy to integrate, simple APIs• Quick customer enrollment

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Case study: Driving efficiencies through mobile payments

Solution• Through ConnectPay, linked registered customers

checking accounts to Exxon Mobil’s Speedpass+ app for fast and easy gas payment

Benefits• Lower cost vs. credit and debit

interchange (30–40%)• Adds ACH to our clients mobile payment strategy

• Supports ACH in the wallet or ACH on file

• Compliments clients existing loyalty program

• Offers consumer-friendly enrollment

• Warranty service eliminates payment liability~10,000

Enterprise Locations 8K+

Accounts registered

30K+Approved transactions

Source: FD Analytics as of June 30, 2016

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Debit routing is more relevant than everIn the U.S., Congress passed the Durbin Amendment giving merchants the “right to route” debit transactions by requiring card issuers to support two or more unaffiliated network routing options1. Because of this legislation, in the U.S., we now have:

Increase in Network Competition

Decrease in Cost of Debit Acceptance2

Promotion of Choice

73.8 BillionAnnual Debit Transactions3

0%

10%

20%

30%

40%

50%

18-24 25-34 35-44 45-54 55-64 65+

Cash preference Credit preference Debit preference

Payment Type Usage by Age

Debit is the payment method of choice

1 https://www.firstdata.com/downloads/thought-leadership/choosing-pin-network-wp-updated.pdf2 https://www.firstdata.com/downloads/thought-leadership/MerchantPayOptionsWP.pdf3 https://www.federalreserve.gov/paymentsystems/2017-December-The-Federal-Reserve-Payments-Study.htm

Chart Source: The Federal Reserve Bank of San Francisco Findings 2015

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Capitalize on the strength of our global debit networks

By optimizing how debit transactions are routed, merchants can take advantage of immediate savings and increased approval rates

Duopoly – No choice Price fixed Not Durbin-compliant Increasing fees

Multiple networks available (V/MC + EFTs) Pricing competition Durbin compliant Improved approval rates

Merchant Merchant

Fiserv ViewToday's View

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Improved economics and choiceDelivering merchant choice and cost savings with Smart Routing and Least Cost Routing

PIN at POS

Choose the Fiserv Advantage

PINless POS

Increase Cost-effective Debit Transactions

eCommerce

Full service Debit Acceptance• Coast to Coast access coupled with

unparalleled reliability• Virtually guaranteed funds• Reduced potential for consumer fraud• Two debit networks• Innovator – STAR is first network to support

Apple Pay and Common AID• All Debit networks support PIN

• Allows consumers to skip the PIN pad on purchases

• Low cost routing option for No CVM signaturedebit transactions

• Now available for Mobile Ordering • Participating Networks: STAR, Pulse, NYCE, Accel,

Culiance, Interlink, Maestro, SHAZAM and AFFN

• Full Debit Support: Online and Mobile• All CVMs, Devices and Markets• Enhanced single message and new dual

message capabilities

The Fiserv Difference – a managed solution that minimizes your debit costs

How we do it: How we do it better:• Pay Lower costs based upon the networks available on the card

• Eliminates the need to become a Debit Expert

• Easy to use report allows you to track savings

• Optimizes your debit costs and simplifies the complex nature of network routing

Smart Routing Least Cost Routing

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Hands OffPut Fiserv's debit expertise

to work for you.Unparalleled industry experience

Maximize Your SavingsOptimized, low-cost billing

Supports negotiated network ratesFull CoverageVirtually all transaction categories (PIN, PINless, single/dual, etc.)All domestic networks includingFiserv owned STAR debit network.

Robust SolutionSupports virtually all card-present verticalsScaled for enterprise merchantsAutomated reporting

Innovative SystemsPatented solutions

Sophisticated, dynamic routing algorithmSMART

ROUTING

Making smart routing choicesTake full advantage of the debit opportunity with optimized routing

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Case study: Debit routing

Acquirer

Merchant $7 Million Annual Savings

Yes

No

26%Transactions

Eligible for Routing? EFT Networks

FiservDebit Routing

Decision Engine

15 Basis PointsAverage Processing Savings Our

Clients Achieve

138 Million CNP Transactions

$17 BillionSpend

36 MillionCNP Transactions

$4 BillionSpend

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Case study:Debit routing processing solution

Background ResultsSolution

Helping a global fuels retailer significantly decrease their debit routing costs

One of the largest fuels retailers in the world-with over 40,000 locations globally–looked for a way to achieve significant cost savings in their PIN debit routing processing in the U.S.

60% of the company’s payment acceptance is debit products, so being able to efficiently accept those, and at the lowest cost, was key to meeting their business targets.

As a key delivery partner since the early2000s, Fiserv understands that debit payment acceptance is integral to how the company conducts its business and is a critical aspect of how they operate.

Fiserv brokered a deal with debit networks sending those networks more volume, which in turn gave the fuels retailer a significant volume discount.

As a result of the Fiserv debit routing deal, the company has realized savings in excess of

$20 million/yearOver their previous debit

routing processing solution

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40 million 10x moreOmni-channel Payment with Universal Commerce

Americans rely on EBT1 Consumers are using contactless delivery options for groceries2

• Increased consumer spend

• Omni-commerce payments

• Efficient connections

• Improved customer experienceDigital Transformation

Source: (1) USA Today, (2) Tech Crunch,

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Frictionless (& touchless) shopping for a connected world

Universal Commerce Plat• Mobile Authorizations• Card on File Provisioning• Tokenization • Vaulting Services

• Gift Card Services• Fraud Services• Merchant Services• Third-Party Wallets

Next Gen Mobile Experiences

Internet of ThingsConnected Car

Enabling payment on any device

With any payment method

Securely and at scale

Any channel

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Revenue generating customer experiences

Use cases

• Order ahead

• Scan and go

• Curbside Pickup

• Use retailer loyalty/offers

• Pay at pump

• Voice Commerce

Benefit

• Grow revenue through new client acquisition

• More engaging consumer experience

• Lower cost of entry

• Partner that advocates for you

UPDATE

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Leveraging the Fiserv commerce ecosystemProviding merchants with a set of mobile commerce and customer engagement services that they can select from to accelerate and fortify their own branded applications.

Tokenization

Mobileauthorizations

Enrollmentvault

Fraud management and device authentication

Virtualcard issuance

Auto reload Loyalty and rewards

Site connection management

Pay or redeem rewards

Offers and coupon management

Flexible APIPCI-DSS

Third-party wallets

Fuel industry standard interfaces

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Consumer Journey Example: Buy online, pickup in store

Customer selects cart items on mobile device

Chooses location and selects order pickup time Payment occurs

Arrives at grocer and checks in

Picks up groceries from designated area inside the store

Receives text updates about their order

1 2 3

4 5 6

Grocery

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Consumer Journey Example: Buy online, pickup in store

Customer selects cart items on mobile device

Chooses location and selects order pickup time Payment occurs

Arrives at the store and checks in

Picks up items from designated area inside the store

Receives text updates about their order

1 2 3

4 5 6

Retail

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Consumer Journey Example: Curbside pickup

Customer selects cart items on mobile device

Chooses location and selects order pickup time Payment occurs

Arrives at grocer and checks in

Groceries brought and loaded into car

Receives text updates about their order

1 2 3

4 5 6

Grocery

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Consumer Journey Example: Curbside pickup

Customer selects cart items on mobile device

Chooses location and selects order pickup time Payment occurs

Arrives at the store and checks in

Items brought and loaded into car

Receives text updates about their order

1 2 3

4 5 6

Retail

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Consumer Journey Example: Order ahead

Customer selects menu items on mobile device Chooses pickup location Payment occurs

Arrives at restaurant and checks in

Picks up items either in-store, drive-through, or curbside

Geo-location prompts to notify restaurant they are close

1 2 3

4 5 6

QSR/Restaurant

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Consumer Journey Example: Alexa, Pay for Gas

Customer pulls into fueling station Asks Alexa to pay for gas

on their pumpAlexa confirms location

Customer fills up tank Payment occurs using Amazon Pay

Designated pump is activated

1 2 3

4 5 6

Petro

“Alexa, pay for gas on pump 4.”

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Consumer Journey Example: Scan & Go

Using the merchant’s app, customers scan cart items as they walk through the store

Once done, customers can pay using their preferred payment method

Customer heads home with their items

1 2 3

Retail

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Consumer Journey Example: Scan & Go

Using the merchant’s app, customers scan cart items as they walk through the store

Once done, customers can pay using their preferred payment method

Customer heads home with their groceries

1 2 3

Grocery

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Consumer Journey Example: Delivery

Customer selects menu items on via merchant’s app on mobile device

Provides their home address for delivery

Payment occurs

Consumer’s order is delivered to their home

Consumer can tip driver, driver can instantly pull down funds

Gig-delivery driver picks up food from merchant’s location, consumer can track order status and location

1 2 3

4 5 6

QSR/Restaurant

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Consumer Journey Example: Delivery

Customer selects menu items on via merchant’s app on mobile device

Provides their home address for delivery

Payment occurs

Consumer’s groceries are delivered to their home

Consumer can tip driver, driver can instantly pull down funds

Gig-delivery driver picks up food from grocer’s location

1 2 3

4 5 6

Grocery

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How we do it better Deliver the ultimate flexibility with merchant choice of services – device, payment types,gift platforms (ours or theirs), loyalty, industry specific interfaces, POS and even processing.

Service orchestration model Reduces ongoing support costsand improves speed-to-market.

Reduces shopping cart abandonmentBuilds more effective cross channel promotions with personalized offers based on buying behavior/location.

Simplifies settlement andback-office operations Processes the digital transactionon the brick and mortar MID.

Reduces cost of paymentOffers a myriad of lower cost MOP’s such as Gift, ACH and even Private Label.

Supports value-added servicesConnect and enable loyalty,offers, location-based services/site connectivityand management services.

Supports virtually any use case through any connected deviceMobile/Online ordering, order customization, virtual gift cards, pick up and delivery, scan and go, pay at the table, pay at pump.

Vertical expertisePartner with leading brands in petro, QSR, restaurant, retail, grocery and Connected Car. 100K live sites.

Secure and compliantIndustry leading PCI compliance and card vaulting, AI/Machine Learning Fraud Protection.

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Provide EBT for Online Ordering & Delivery

• Safely enable frictionless experiences like curbside pickup, order ahead and delivery

• Increase customer base and improve cash flow

• Easily integrated into existing SNAP EBT programs

• Minimize exposure to fraud

• Reduce customer wait times and use of checkout lines

Help your business

Help your customers• Safely enable remote ordering for all members of society

• Offer transparency and security by increasing accountability and tracking

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If your business is able to process credit or debit cards, accepting online EBT couldn’t be easier.

Using their computer or mobile phone, customer selects SNAP eligible items for their online cart

During checkout, customer selects “EBT/SNAP” as their payment method

Customer is brought back to the merchant’s site and the payment is accepted

Customer is redirected to Pin-on-Glass screen and enters their PIN

1 2 3 4

Check eligibility with the USDAwww.fns.usda.gov/snap/retailer/eligible

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1.62 million+ 3,800+Merchant outlets protected by TransArmor

Financial institutions that useour Security and Fraud solutions

Secure Commerce

Fraud

Issuer/Merchant Data Exchange

Issuer Data

Merchant Data

Proprietary Fraud

Scoring

Compliance

Security

Security and Fraud Solutions

39+ Billion Transactions secured by TransArmor since 2010

Source: Fiserv data as of January 2019

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TransArmor data protection

1.69+ million merchant outlets protected*

14 billion transactions annual run rate

Defense in Depth – P2PE adds another layer to the multiple layers of protection that TransArmor already provides making cardholder data significantly more secure and safeguards against cybercrime, both in transit and at rest.

Combines point-to-point and end-to-end encryption withtokenization, making cardholder data significantly more secure. Tokens are multi-use. Data does not need to be exposed to Third parties.

Reduce PCI compliance requirements – Encrypt and tokenize sensitive cardholder data thus removing it from your environment and reducing PCI DSS scope.

Easy of integration – Integrates with a variety of devices: TransArmor is a service-based solution making implementation easy with minimal changes to your back-end system.

Lower Risk of Data Loss – Data is encrypted at the point of capture and cannot be decrypted in your environment. Simplifies Compliance Process – Fewer applicable PCI DSS requirements, simplified compliance assessment, and a potential reduction in the cost of maintaining compliance.

Encrypt Decrypt Authorize Secure DataTokenize

A widely used payment security product

Encryption Tokenization EMV

TransArmor P2PE + E2EE benefits

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TransArmor and EMV®

EMV is a registered trademark or trademark of EMVCo LLC in the United States and other countries. www.emvco.com.

A multi-layered, end-to-end approach

A narrow focus on data protection leaves corporations vulnerable

Cyber attacks

How stolen data is used

• Data in transit

• Data at rest

• Counterfeit cards

• Fraudulent online transactions

Fiserv security

Protecting data in transit

Protecting data at rest

Protecting data against card counterfeiting

Encryption Protecting cardholder datain transit from the swipeof the Card until it reachesFiserv secure data center.

Tokenization If data at rest is stolen from merchant servers or POS,it is rendered useless. Tokenized data reducesthe cost and complexityof PCI compliance.

EMV Chip-based technologythat reduces the risk of accepting counterfeit cardsin face-to-face transactions. PIN-enabled cards reduce the risk of misuse of lostor stolen cards.

Tran

sArm

orEM

V

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Merchant Encrypted

Non-TransArmor Tokenized Response

Merchant Data Center

AcquirerUnencrypted

Response Not Tokenized

Traditional P2PE

Encrypted

Non-TransArmor Tokenized Response

Gateway Middleman

TransArmor P2PE + E2EE

Encrypted

TransArmor Tokenized Response

MerchantMerchant

Data Center Encrypted

TransArmor Tokenized Response

Front-end Encrypted

TransArmor Tokenized Response

TransArmor P2PE + E2EE eliminates the gateway

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Personal data protectionPersonal data protection (TA PII)

Mitigate the impact of security breaches by protecting data from time of capture, in storage and in use.

• In a SaaS-ready era, data protection needs to occur end to end throughout merchants’ use,storage and transmission

• Insufficient processes to secure critical data and readily gain access without compromise

• Customers don’t feel comfortable sharing their private data for loyalty programs and branded cards

• Privacy and Data Residencylaws along with compliance are becoming complex and cumbersome

• Helps to maximize data security and regulatory compliance without compromising day-to-day operations. Enabling organizations to control access, on premise and in the cloud

• Assists in protecting data from time of capture, in storage and in use

• Data-centric protection method including encryption and tokenization

• Data Security Platform that integrates with business applications and processes, manages security policies, access and keys, providing security alerting and reporting

• Customers provide raw PII data to the Merchant either via device, portal or directly at Merchant site

• Merchant initiates process to send PII data to Fiserv Gateway

• Fiserv Gateway sends PII data securely to the DPaaS/ Tokenization Process

• DPaaS returns tokenized PII datato Fiserv Gateway

• Fiserv Gateway returns tokenized PII data to the Merchant

• Merchant and customers have peace of mind that personal data is safer!

• Financial savings by potentially preventing a data breach

• Brand equity protection

• Increase customer base

• Brand loyalty preventing potential revenue loss

• Regulatory compliance reduction

• Visibility to additional security landscape and big data trends

• Defense against insider threatsand external attacks on-prem,e-com, uCom or Mobile

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8%

14%

33% 32%

20%

16%14%

9%

6%7%

6%4% 3% 3%

1% .74% .78% .96% .67% .51% .36% .23% .23% .20% .22% .16% .13% .12% .10% .08%

Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep

Success story:Fighting fraud for major mobile app

Mobile App deployed with minimal fraud controls, fraud rate spikes at 33%.

Implemented device fingerprinting in late September.

Engaged us to deploy Fraud Detect.

Interim strategy deployed to create 50 sophisticated rules to suppress fraud. Three full-time fraud analysts added in October.

Machine learning models deployed in February.

Fraud rate iscurrently at

<0.10%

20182017

No digital-specific fraud controls.

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Customer proof points (120,000 merchant model)

After running historical data through Fraud Detect model, learned that Fraud Detect will decrease fraud by 70%. Net annual value (after Fraud Detect Fees) to client is $291,000

QSR client

Ran 270,347 transactions through the Fraud Detect platform (no special model) and learned that Fraud Detect would have caught 77%of the fraudulent chargeback value that had been received

Retail client

Decrease fraud by 80%.Will go from 4.8% fraudto .96% fraud. Will save $193,000 after Fraud Detect® Fees.

QSR client

Ran 29,845 transactions through the Fraud Detect platform (no special model) and learned that Fraud Detect would have caught 80%of the fraudulent chargeback value that had been received.

Ran 21,474,961 transactions through the Fraud Detect platform (no special model) and learned that Fraud Detect would have caught 75.2%of the fraudulent chargeback value that had been received

Retail client

Decrease fraud by 78.1%.Net annual value is $240,000 and allows client to enable mobile Pay at the Pump through their app

Petro client

Will be able to decrease fraud by over 70%. Our model works well across unique business models like this client. Average ticket ranges $70 – $3,000

Tech client

Decrease fraud by 84.4%, saving $4.5 Million annually in chargebacks. False positive rate of 1.5%. Can score transactions on all eComm MIDs vs. existing solution.

QSR client

Decrease fraud by 72% saving $828,000 annuallyin chargebacks. Lowered fraud ratio to .13%

QSR client

Decrease fraud by 71.5% even though fraud was at .76% (76Bps) at this client. Net annual value (after Fraud Detect Fees) to client is $37,000+

QSR client

Supermarketclient

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Quickly enroll Employees in Electronic Payroll

51

The Money Network Service gives employees

freedom and flexibility to access and manage their wages… how and when

they want.

Quickly enroll Employees in Electronic Payroll

Quickly and easily onboard and electronically pay temporary employees, eliminating the need for paper checks, lowering risk. Compliant in all 50 states

52

Why choose Money Network?

Sources:1Aite, U.S. Payroll Card Market Overview: The State of Pay, 09/18.2Money Network Financial, LLC, A First Data Company, 90-day active cardholder average for 2018.

53% Market Share Active Cards in market1

2.9 MillionActive cardholders2

$20 BillionFunds delivered annually

4,000+Clients in various industries

CompliancePatented Check + optional Card gives the ability to achieve 100% electronic pay. Money Network staff monitors regulatory changes impacting wage payments.

InnovationIndustry-leading mobile app includes money movement to friends at no cost, fingerprint login, card lock, locator for in-network ATMs, check cashing and reload locations, and Piggy Bank features.

SecurityUnique safety and security measures combining proactive cardholder protection via EMV® chip cards and cybersecurity systems to monitor, detect, and minimize third-party fraud.

Off-cycle paymentsInstant payment capability to all employees using Money Network Check, including those on direct deposit.

53

Case study: Money Network®

electronic payroll delivery solution

Background ImpactSolution

Delivering the benefits of optimized payroll processes to a leading casino resort operator

A leading developer and operator of integrated destination resorts and casinos was seeking to streamline and reduce the costs associated with administering its payroll across multiple properties in Las Vegas.

Money Network® Payroll delivery solution was recommended and implemented at the company’s locations.

A Money Network® Card and Money Network® Checks were delivered to all participating employees, providing them with access to 100% of their wages through thousands of surcharge-free ATMs and check-cashing locations. There are currently 450 active accounts.

The Money Network Card is accepted at millions of retail locations, and the checks simplify rent, utility and other mail-in bill payments.

$2,000 – $10,000estimated annual savings inpayroll check and ACH costs.

The company’s traditional paper-check payroll process was expensive and inefficient to operate, and many of its employees relied on high-cost check-cashing facilities for access to their wages.

HR and payroll-staff time savings are also realized through the program.

Employee gains include improved access to wages and the flexibility of Money Network Card and Money Network Checks, which enable them to shop online, stay in hotels and make other purchases that they could not make without a credit card or bank account.

Cards issued by Bank of America, N.A. or MetaBank®, Member FDIC

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Case study: Money Network®

electronic payroll solutionDelivering the benefits of an optimized payroll process to an employer and its 23,000 employees

Background Solution

SavaSeniorCare is one of the largest providers of healthcare services in the U.S. It’s 23,000 employees operate 190 skilled nursing facilities in 20 states.

The company’s traditional papercheck payroll process was expensive and inefficient to operate, and manyof its employees relied on costlycheck-cashing facilities for access totheir funds.

SavaSeniorCare was seeking an electronic payroll solution that would reduce costs and improve efficienciesin payroll administration, and at thesame time, improve the payroll process for its employees.

A Money Network Card and Money Network® Checks were delivered to each participating employee, providing them with access to 100% of heir wages through thousands of surcharge-free ATMs and check-cashing locations.

The Money Network Card is accepted at millions of retail locations, and the checks simplify rent, utility and other mail-in bill payments.

$90,000savings in payroll check shipping costs

Additional savings were realized in HR and payroll staff time as the number of employees receiving paper checks declined from 47% to 1% Employee gains include improvedaccess to wages and the flexibility ofpay card and Money Network Checks,which enable them to shop online, stay in hotels and make other purchases that they could not make without a credit card or bank account.

“Fiserv’s customer service has been amazing. There’s always a knowledgeable professional ready to help us.”

Tina BurkePayroll Manager, SavaSeniorCare

Our Money Network payroll distribution solution was implemented across SavaSeniorCare’s owned facilities.

Impact

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Why partner with Fiserv

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Fiserv is digital commerce

Acquiring merchants

Leading share in:

#1Banks

Network connections

Payment and card types

160 currenciesOffering a local experience to your customers

55 countriesGlobal reach

7 out of top 10Digital services merchants trust us

$700+ BillionGlobal e-commerce volume

9+ BillionGlobal e-commerce transactions

STAR®

Largest independent debit network

That translates to:

3,000 transactions per second, 24/7/365

More transactions

Data spans the most networks and product sets

Broadest coverage

Access our solution suite and data insights through one seamless connection

Single entry point and contract

Based on 45 years of operating excellence

Trusted expertise

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Next Generation tools, at scale

End-to-End Global Solutions

Global, leading edge tools todrive modern commerce

Enterprise Grade Security

Global tools that mitigate risk

Optimized Routing

Optimized authorization routingto increase approval rates

Innovative at Scale

Using innovative, modern and future proof technologies at scale. Globally.

Advanced Analytics

Global intelligence data across the ecosystem to provide insights to scale faster

Global and Local Acceptance

Global and local paymentsolutions for all channels

A strategic partner with the scale, solutions and intelligence to maximize every part of your business

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Data and Analytics

DebitSolutions

Check/ACH Solutions

Security andFraud

Cross-BorderCurrency

Branded Currency

eCommerce

RetailPrivate-Label

Cards

Lending andLeasing

Point-of-SaleSolutions

B2B Billing Solutions

ElectronicPayroll Delivery

Acquiring

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Comprehensive Suite of Commerce Solutions

Grow RevenueLower Costs

Drive Digital TransformationEnsure Secure Commerce

OutputServices

uCommerce

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We are the only Fintech company who is an acquirer, network and issuer processor.

Improved approval rates

Lower payment acceptance cost and reduce fraud

Drive revenue with “full picture” data insights

PSPs rely on third-party providers, increasing touchpoints. We have direct access.

Lower cost by minimizing margin stacking

Virtually eliminate third-party downtime

Improved approval rates

Our reputation lets us advocate on your behalfcreating unique benefits.

Economies of scale that help drive revenue

Champion merchant agenda

Leading network transformation

We have an unparalleled solution suite for emerging enterprise e-commerce business needs.

Unique solutions driving exclusive benefits

Unlock new markets through single integration

Streamlined back-officeand reporting

We believe in transparent partnerships and keeping promises, never risking your reputation.

Improved decisioning through greater transparency

Reduced operating risk

Frictionless client experiences

Why Global Digital Commerce?

1Complete visibility into payments ecosystem 2 3 4 5Direct global

acquirerPowerful relationships at-scale

Unmatched enterprise solutions

Transparent, responsible partner